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Balance Transfer to Bank of America PetRewards Visa Bank of America PetRewardsTM Visa®


Bank of America PetRewards Visa
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
As rewarding as your relationship with you pet. Apply for PetRewards™ Visa® today!

Reward Program Details
  • Points per Dollar in net purchases: 2 Points for each dollar at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores and 1 Point for each dollar using your PetRewards Card on everyday purchases.
  • Bonus Points: 500 upon first purchase
  • Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations.
  • Yearly Limit on points you can earn: 100,000 points
Value and pricing
    Put your pet's picture on your card or choose from one of three adorable designs
  • 1 point for every dollar you spend on everyday purchases
  • 500 bonus points with your first purchase
  • Rewards begin at just 750 points
  • No annual fee
  • 0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 billing cycles.
  • After your fixed introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 2.99%, 5.99%, 7.99% or 9.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment.
  • All payments you make will be applied to the lowest APR balances first
  • No balance transfer fees for introductory transfers

Card issued by FIA Card Services, NA.




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Apply for Bank of America PetRewardsTM Visa®

Interest only loans are ‘interest centric’. In, this kind of loan a borrower only pays the interest due on the principal balance. In such cases, the principal balance does not change over the set term. After the expiry of the interest only term, the borrower has an option to go for the following:

· The borrower can covert the existing loan to an amortized loan wherein he makes regular payments on the principal and the interest.

· The borrower can also enter what is known as interest only mortgage, wherein he can make the payment on the principal amount.

The interest-only period varies from one country to another. In the United States, the interest-only period, typically, is for five or ten years. This essentially means that if a borrower has to pay a loan over a period of thirty years, he can only go for the interest-only option for the first five years or first ten years. This is dependant on the choice he/she makes and the money lending organization.

After the interest-only term is over the amortization of the principal balance takes place for the remaining years. The primary advantage of the interest-only loan is that the initial payments are much lower than the payment that a person makes later on. This enables borrowers to plan accordingly and they can borrow more amount of money than they can afford. This is done by taking into consideration the hope that their salaries might just see a substantial increase over the term of the loan.

It can be said that when a person takes an interest-only mortgage (as in the US), the individual is paying the rent for the house. This is because there is no decrease in the amount of the principal loan. In countries like the United Kingdom, interest only loans are getting increasingly popular, as this is one way to buy any asset, whose price is not likely to depreciate much over time. If, at the end of the loan period a person is unable to pay the principal amount, the asset can be sold to repay the capital. Some countries allow a person to combine the interest-only loan with a myriad of financial options. This is illustrated by an example of Canada, which allows a combination of interest-only mortgage with options like corporate bonds etc.

While going for interest only loans, you must evaluate your options very carefully. As in the case of all loans, there are a few disadvantages as well. In many cases, you might have to pay property tax. In other cases, you have to buy property insurance that is a mandatory requirement when you take an interest-only loan. At times, a person has to pay a tax on his/her property and purchase the property insurance.


  • Transfer your balance to Bank of America PetRewardsTM Visa®

  • Are you a ‘Plastic Generation” Xer? If you even know what that is then likely you are. It is people normally between 20-30 years old that pay for everything with a plastic card. They think the space in their wallet is for receipts not cash. Heck they pay the bill on line and never does ‘old fashioned’ money touch their hands. It is almost like they are playing a video game with it.

    This can be a way to financial ruin and fast. The easy way to tell is; are you broke? Do you have a credit card balance unpaid each month? Do you have more than 4 credit-debit cards that you use on a weekly basis? If yes is the answer then stopping playing the video game before you loose the game of wealth.

    Advertising companies have done a great job at getting many people to forget how hard it is to earn money. They work on our need for gratification, ‘the make me feel good emotions’. It all starts like this, “buy on credit, nothing down, don’t pay for 6 months, instant approval.” Many of us think, what a great deal in a few months I will have saved up the money to pay for this and it will all be good.

    The advertising people have thought of this also and trust me between now and the 6 months they will have another great deal for you to spend your "credit money" on. Once you get behind on payments you feel depressed. What better to cheer you up than the latest thing? Heck you got that new credit card and presto you are in the Mill. The mill of debt grows more debt and you now really work for the credit card companies. In our e-book www.winthebebtgame.com we go into how you mystically became the credit card company’s employee and how to get out of it in great detail that works. Because you have read this far I am going to give you another way to get out.

    Pay for everything in cash. Simple as that, because if you don’t have the cash in your account I guess you won’t be paying for it will you. Too many young people today just do not have an appreciation for how much cash their credit card bills are. They see a few numbers on paper and think, heck not so bad. When you count out your hard earned paycheck up to the same number you quickly realize you need to get some better spending habits.

    Until you have zero credit card debts on a monthly basis I encourage you to pay for everything in cash. You will learn what the term “cash flow” really means and will be on your way to learning a critical skill in becoming wealthy. If you want something save up cash for it and pay in cash. That way every time you look at what you bought you will feel the pride of ownership. Or you can look at the stuff you bought on credit and see the anchors of debt dragging you down.

    Take the time to master this core skill to wealth building. Be smart be wealthy.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.